Terms of Use and Legal Disclosures

CAREFULLY READ AND REVIEW THE NOTICES, DISCLAIMERS, LIMITATIONS, TERMS, PROVISIONS AND CONDITIONS SET FORTH HEREIN BELOW AND IN THE INVESTINET, LLC (“INVESTINET”) PRIVACY POLICY BEFORE USING THIS SITE OR ITS FEATURES IN WHOLE OR IN PART (THESE TERMS, INCLUDING BUT NOT LIMITED TO THE PRIVACY POLICY, ARE HEREINAFTER REFERRED TO AS “TERMS OF USE”).

USERS MAY CLICK ON THE PRIVACY POLICY LINK FROM THE INVESTINET, LLC WEBSITE TO GO DIRECTLY TO THE PRIVACY POLICY. ANY USER (“YOU”) WHO ACCEPTS, ASSENTS AND AGREES TO BE BOUND BY THE FOLLOWING TERMS OF USE IS WELCOME TO USE THIS SITE AND ITS FEATURES, SUBJECT TO SAID TERMS OF USE, WHETHER ABOVE OR BELOW, THIS “SITE” (INCLUDING WITHOUT LIMITATION THE WORD “SITE” OR THE WORD “WEBSITE” WITH OR WITHOUT ANY CAPITALIZATION) SHALL INCLUDE THIS WEBSITE AND ALL WEBSITES OWNED OR CONTROLLED BY INVESTINET AND SHALL INCLUDE WITHOUT LIMITATION ALL APPLICATIONS, FEATURES, SERVICES AND INFORMATION ON OR AVAILABLE THROUGH THIS WEBSITE.

ALL APPLICATIONS, FEATURES, SERVICES AND INFORMATION HEREINAFTER ALSO REFERRED TO COLLECTIVELY AS THE “SERVICES”. THIS SITE, AND ALL OF ITS FEATURES AND SERVICES, IS OFFERED AND MADE AVAILABLE TO YOU, AND YOUR USE OF THIS SITE AND ITS FEATURES IN WHOLE OR IN PART, IS SUBJECT TO AND CONDITIONED UPON YOUR ACCEPTANCE AND AGREEMENT AND COMPLIANCE WITH THIS TERM OF USE AND THE PRIVACY POLICY, WITHOUT QUALIFICATION, LIMITATION OR MODIFICATION.

The following terms and conditions (“Terms and Conditions”) govern your use of the World Wide Web Site located at www.investinet.com (this “website”). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

These Terms and Conditions may be changed at any time. All changes are effective immediately when we post them and apply to all access to and use of the Services thereafter. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was implemented.

This website has been prepared solely for the purpose of providing information about InvestiNet and the products and services offered by the InvestiNet and its operating subsidiaries and affiliates. Without limiting the generality of anything else, InvestiNet makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and its shall not be responsible for any errors or omissions in the website. InvestiNet reserves the right to add, modify or delete any information on this website at any time, with or without notice.

The website is offered and available to users who are 13 years of age or older. By using the services, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services.

Access to Site:

InvestiNet reserves the right, in its sole and absolute unilateral discretion, to terminate, suspend or restrict your access to this website, without notice, in the event you violate any of these Terms of Use. InvestiNet also reserves any and all remedies at law or in equity in connection with any violation of the website Terms of Use.

You may use the Services only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Services in any way that violates any applicable federal, state, local, or international law or regulation. Additionally, you agree not to attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the website is stored, or any server, computer, or database connected to the website.

Copyright and Other Proprietary Information:

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the InvestiNet, its licensors, or other providers of such material. These assets are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission of InvestiNet is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to InvestiNet or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

InvestiNet welcomes your feedback and suggestions about how to improve our products, information, and services and this website. By transmitting any suggestions, information, data, material, or other content (collectively, “Submissions”) to InvestiNet, you automatically grant InvestiNet the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) throughout the universe and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, InvestiNet is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information.

Consent to Monitoring and Disclosure:

InvestiNet is under no obligation and does not assume any obligation to monitor the information included in, transmitted to or made accessible via this website. However, you agree that InvestiNet may monitor this website in further effort to protect the user and information of the website and to comply with all applicable federal, state and/or local laws, rules and regulations. All information provided by InvestiNet  in connection with the website that must be disclosed to any other person or entity to complete your requested transaction will not be considered confidential for such limited purposes, subject to the terms outlined in the Privacy Policy. InvestiNet shall be free to use, disclose and distribute such information to identified third parties without limitation in accordance with the law and as forth in the Privacy Policy.

ACH Disclosure:

When you provide a check as payment, you authorize InvestiNet, either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When InvestiNet uses information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.

Disclaimer of Limited Liability

This website, the website materials on and in and made available through this website, and the services, information, and products offered by InvestiNet, and its operating subsidiaries and affiliates (the “InvestiNet Companies”) in connection therewith are made available “as is” and “with all faults.” Use of this website is entirely at your own risk.

InvestiNet makes no representations or warranties, and disclaim all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchant ability  fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.

InvestiNet shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose.

IN NO EVENT WILL OUR, OR ANY OTHER PERSON’S OR ENTITY’S, LIABILITY IN CONNECTION WITH ACCESS TO, USE OF OR RELIANCE ON OUR WEBSITE AND SERVICES OR CONTENT ACCESSED THROUGH OUR WEBSITE EXCEED THE AMOUNTS PAID BY YOU TO US TO USE THE WEBSITE OR RELEVANT SERVICES, IF ANY. TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO USE THE WEBSITE OR RELEVANT SERVICES PRECEDING THE BRINGING OF ANY CLAIM, OR ONE HUNDRED DOLLARS ($100.00), WHICHEVER IS LESS. YOU ACKNOWLEDGE AND AGREE THAT IF YOU HAVE NOT PAID US ANY AMOUNTS TO USE THE WEBSITE OR RELEVANT SERVICES PRECEDING THE BRINGING OF ANY CLAIM, YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE IS TO STOP USING OUR WEBSITE AND SERVICES AND TO CANCEL YOUR ACCOUNT, IF ANY.

NO INFORMATION PROVIDED BY INVESTINET AND/OR ITS EMPLOYEES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. INVESTINET  DOES NOT WARRANT THAT THE INFORMATION ON THIS WEBSITE, LINKED WEBSITES, OR AS OTHERWISE ACCESSIBLE HEREIN WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE FROM THIS OR ANY OTHER WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

INVESTINET IS NOT LIABILE IN THE EVENT A PAYMENT TRANSACTION IS NOT COMPLETED FOR ANY REASON, INCLUDING BUT NOT LIMITED TO THE IMPROPER OR INCOMPLETE INFORMATION, INSUFFICIENT FUNDS OR CREDIT, THE FAILURE OF SYSTEMIC PROCESSES OF THIS WEBSITE OR YOUR FINANCIAL PROVIDERS. INVESTINET RESERVES THE RIGHT TO SUSPEND OR TERMINATE ANY TRANSACTION THAT INVESTINET DEEMS INVALID, UNAUTHORIZED, FRAUDULENT OR OTHERWISE.

Disclaimers Regarding Other Servers and Web Sites:

Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of InvestiNet. Accordingly, InvestiNet can make no representation concerning the content of these sites to you, nor can the fact that InvestiNet has given you this listing serve as an endorsement by InvestiNet of any of these sites. InvestiNet is providing links to these sites as a convenience to you. InvestiNet cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and InvestiNet cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. InvestiNet is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.

 

Disruption of Service:

Access to this website may from time to time be or become unavailable, delayed or otherwise limit adequate usability due to hardware failure, telecommunication line failure or interruption, network or server failures, viruses, errors, incompatibility of systems or other such things that may be a result of the end users equipment, connections or other causes outside of the control of InvestiNet.  In the event an interruption of service or other failure causes irreparable harm to the end user InvestiNet shall not be held accountable for any damage, inaccuracy, adequacy, incompletion of information or materials submitted through your use of this website.

Consent to Further Use of Information You Provide on this Website:

You hereby expressly consent to and further knowingly provide any and all information, personal or as otherwise required to complete your payment transactions herein or voluntarily upon my own volition to InvestiNet  and further authorize InvestiNet  to utilize the information that you provide herein to contact you directly or through an automated dialing system or prerecorded messaging system, including but not limited to, your electronic mail address, residence address, cellular or landline telephone or facsimile numbers, SMS messaging, text messaging, or other means of electronic, virtual or traditional means of communication, in an effort to recover any unpaid portion of any obligation that you now owe or incur in the future that is or may be placed with InvestiNet for collection services, default prevention, counseling or other related services.

Indemnification:

You agree to protect, defend, indemnify and hold harmless InvestiNet and its and their respective affiliates, officers, directors, employees and agents harmless from and against any and all claims, actions, proceedings, judgments, expenses, damages and liabilities (including, without limitation, attorneys’ fees and court costs) which may result, directly or indirectly, from any breach of these Terms of Use.

Governing Law and Jurisdiction; General Terms:

These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and InvestiNet with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of South Carolina without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.

By accessing, viewing, or using the works, content, or materials on this website, you consent to the exclusive jurisdiction of the federal and state courts presiding in South Carolina and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is controlled and operated by InvestiNet from its office within the United States. Without limiting anything else, InvestiNet makes no representation that the works, content, materials, services, information, or products available on, in, or through the website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access this website from other locations do so on their own volition and are responsible for compliance with applicable laws.

Waiver and Severability

You agree that InvestiNet does not waive any right by not exercising or enforcing any legal right or remedy which is contained in these Terms of Use or under applicable law. Said failure to exercise any right will not be taken to be a formal waiver of InvestiNet’s rights. If any provision of these Terms of Use conflicts with the law under which the Terms of Use is to be construed, or if any such provision is held invalid by a competent authority, such provision shall be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remainder of these Terms of Use shall remain in full force and effect. Any provision of the Terms of Use that contemplates performance or observance subsequent to termination or expiration of the Terms of Use shall survive termination or expiration of the Terms of Use and continue in full force and effect.

Entire Agreement

The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and InvestiNet with respect to the website or Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the website or services.

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

Revision Date: May 21, 2020

We are required under certain State and Local Laws to notify consumers of those States or Localities of the following rights.  This list does not contain a complete list of the rights consumers have under Federal, State, or Local Laws.

ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt.  Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

ADDITIONAL INFORMATION FOR COLORADO RESIDENTS

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR

COLORADO OFFICE LOCATION: Corporation Service Company, 1900 W. Littleton Blvd., Littleton, CO 80120

A CONSUMER HAS THE RIGHT TO REQUEST IN WRITING THAT A DEBT COLLECTOR OR COLLECTION AGENCY CEASE FURTHER COMMUNICATIONS WITH THE CONSUMER. A WRITTEN REQUEST TO CEASE COMMUNICATION WILL NOT PROHIBIT THE DEBT COLLECTOR OR COLLECTION AGENCY FROM TAKING ANY OTHER ACTION AUTHORIZED BY LAW TO COLLECT THE DEBT.

ADDITIONAL INFORMATION FOR MASSACHUSETTS RESIDENTS

If you wish to discuss this matter, please call us direct, between the hours of 8:00 am—5:00 pm EST Monday through Thursday and 8:00 am—4:00 pm EST Friday, at the number listed on the front of this notice. Massachusetts resident office address is: Corporation Service Company, 84 State Street, Boston, MA 02109

NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.

ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS

THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.

ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS

This collection agency is licensed by the New York City Department of Consumer Affairs. The license number is 2022520-DCA.

ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS

North Carolina Department of Insurance Permit Number: 112568

Please direct all correspondence and payments to the following address: InvestiNet, LLC, PO Box 966, Greenville, SC 29602

ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS

This collection agency is licensed by the Collection Service Board of the State Department of Commerce and Insurance.

ADDITIONAL INFORMATION FOR WISCONSIN RESIDENTS

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.

ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS

This collection agency is licensed by the New York City Department of Consumer Affairs. The license number is 2022520-DCA.

 

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: i) the use or threat of violence; ii) the use of obscene or profane language; and iii) repeated phone calls made with the intent to annoy, abuse, or harass. 

If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

  1. Supplemental security income, (SSI);
  2. Social security;
  3. Public assistance (welfare);
  4. Spousal support, maintenance (alimony) or child support;
  5. Unemployment benefits;
  6. Disability benefits
  7. Workers’ compensation benefits;
  8. Public or private pensions;
  9. Veterans’ benefits;
  10. Federal student loans, federal student grants, and federal work study funds; and
  11. Ninety percent of your wages or salary earned in the last sixty days.